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ALL (Allstate) Moat Score : 6/10 (As of Jul. 02, 2025)


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What is Allstate Moat Score?

Allstate has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Allstate has Narrow Moat: Allstate has a strong brand and customer loyalty in the insurance sector. It benefits from economies of scale and a robust distribution network. However, the industry is competitive, and switching costs are moderate, limiting a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Allstate might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Competitive Comparison of Allstate's Moat Score

For the Insurance - Property & Casualty subindustry, Allstate's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Allstate's Moat Score Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Allstate's Moat Score distribution charts can be found below:

* The bar in red indicates where Allstate's Moat Score falls into.


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Allstate  (NYSE:ALL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Allstate Moat Score Related Terms

Thank you for viewing the detailed overview of Allstate's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

Allstate Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Allstate Corp (NYSE:ALL) » Definitions » Moat Score
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Traded in Other Exchanges
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Address
3100 Sanders Road, Northbrook, IL, USA, 60062
Website
https://www.allstate.com
Allstate is one of the largest US property-casualty insurers in the US. Personal auto represents the largest percentage of revenue, but the company offers homeowners insurance and other insurance products. Allstate products are sold in North America primarily by about 6,000 exclusive agents.
Executives
Thomas J Wilson officer: President and COO 2775 SANDERS RD, NORTHBROOK IL 60062
Jesse E Merten officer: EVP & Chief Risk Officer (AIC) 2775 SANDERS ROAD, NORTHBROOK IL 60062
John E Dugenske other: EVP & CIO, Allstate Ins. Co. 2775 SANDERS ROAD, NORTHBROOK IL 60062
Robert Toohey officer: EVP, Chief HR Officer - AIC 2775 SANDERS ROAD, NORTHBROOK IL 60062
Elizabeth Brady other: Executive Vice President - AIC 2775 SANDERS ROAD, NORTHBROOK IL 60062
Suren Gupta other: EVP Allstate Insurance Company 2775 SANDERS ROAD, NORTHBROOK IL 60062
Judith A Sprieser director USG CORPORATION, 125 SOUTH FRANKLIN STREET, CHICAGO IL 60606
John C Pintozzi officer: SVP, Controller, and CAO 2775 SANDERS ROAD, NORTHBROOK IL 60062
Mario Rizzo officer: EVP & Chief Financial Officer 2775 SANDERS ROAD, NORTHBROOK IL 60062
Mark Q Prindiville other: EVP & Chief Risk Officer - AIC 2775 SANDERS ROAD, NORTHBROOK IL 60062
Zulfikar Jeevanjee other: EVP & CTO - AIC 3100 SANDERS ROAD, NORTHBROOK IL 60062
Monica J Turner director 3100 SANDERS ROAD, NORTHBROOK IL 60062
Christine M. Debiase officer: EVP, CLO, GC & Secretary 11225 NORTH COMMUNITY HOUSE ROAD, CHARLOTTE NC 28277
Terrance Williams officer: AIC-President Protec Prod&Svcs 7184 BIDDICK, NEW ALBANY OH 43054
Glenn T Shapiro other: Pres Allstate Personal Lines 2775 SANDERS ROAD, NORTHBROOK IL 60062